United Poles Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Weak liquidity 1.8, driven by a liquidity ratio of 8.4 percent and a “hot money” ratio of 23.6 percent. A current level of 24.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.2).
Asset Mix:
Home mtgs (49%), consumer loans (21%), securities (3%), comm loans (1%), other (27%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
412 New Brunswick Avenue
Perth Amboy, NJ 08861
Perth Amboy, NJ 08861
Phone Number
(732) 442-5648
NCUA Charter Number
Website
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